Buy → Refurb → Sell
Flip Calculator
Model a property flip from purchase to sale. Includes SDLT, bridging finance, agent fees, and Capital Gains Tax.
The Deal
£
£
months
£
Additional property (+3% SDLT)
Bridging Finance
%
%
%
Fees & Costs
£
£
£
%
£
Capital Gains Tax
Use annual exemption (£3,000)
Verdict
Decent — Worth Doing
Net ROI
11%
Net Profit
£27,434
Cash Required
£98,500
CGT Due
£7,716
Profit/Month
£4,572
Purchase Costs
Purchase price£200,000
Stamp duty (SDLT)£6,000
Legal fees£2,500
Survey£500
Total purchase£209,000
Refurb & Finance
Refurb cost£30,000
Bridging interest£4,500
Arrangement fee£3,000
Holding costs (4 months)£2,000
Sale
Sale price£290,000
Agent fees (1.5%)−£4,350
Legal fees−£2,000
Net proceeds£283,650
Profit & Tax
Total cost in£248,500
Net sale proceeds£283,650
Gross profit£35,150 (14.1% ROI)
Chargeable gain£35,150
Annual exemption−£3,000
Taxable gain£32,150
CGT @ 24%−£7,716
Net profit (after CGT)£27,434
Net ROI
11%
Net Margin
9.5%
Timeline
6 months
Includes SDLT with additional property surcharge, bridging finance, and CGT at current rates
Pro: premium metrics
Sensitivity analysis
±£15K
Comparable flips
4 nearby
SPV comparison
Save £2.1K
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Estimate, for education only. This is an estimate for educational purposes, not professional or financial advice. CGT calculations are simplified. Your actual tax liability depends on your full income, other gains, and personal circumstances. Always consult an accountant. This is not tax advice.